UPAY, Inc.

UPAY, Inc. - ROEverified

UPYY

Price:

$0.9

Market Cap:

$15.85M

Established in Dallas, Texas, in 2008, UPAY, Inc. delivers a range of software solutions and services, with a primary focus on the lending industry. The company's core product is the Automated Credit Provider Administration System (ACPAS), a web-based platform for client and loan management, specifically designed for registered lenders operating in South Africa. UPAY also provides a cloud-based loan origination system, enabling its customers to efficiently issue loans, retail various products, manage bill payments, or process recurring subscriptions under defined terms. Complementing its software offerings, the company develops custom websites for clients, resells credit bureau information, ...[Read more]

Industry

Software - Application

IPO Date

2022-03-25

Stock Exchange

OTC

Ticker

UPYY

The ROE as of June 2026 (TTM) for UPAY, Inc. (UPYY) is 251.45%

According to UPAY, Inc.’s latest financial reports and current stock price. The company's current ROE is 251.45%. This represents a change of 263.08% compared to the average of 69.25% of the last 4 quarters.

UPAY, Inc. (UPYY) Historical ROE (quarterly & annually)

How has UPYY ROE performed in the past?

The mean historical ROE of UPAY, Inc. over the last ten years is 29.63%. The current 251.45% ROE has changed 748.55% with respect to the historical average. Over the past ten years (40 quarters), UPYY's ROE was at its highest in in the November 2023 quarter at 231.25%. The ROE was at its lowest in in the May 2021 quarter at -684.64%.

Quarterly (TTM)
Annual

Average

29.63%

Median

12.20%

Minimum

-279.12%

Maximum

288.92%

UPAY, Inc. (UPYY) ROE by Quarter and Year

Discovering the peaks and valleys of UPAY, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 2.42%

Maximum Annual ROE = 288.92%

Minimum Annual Increase = -1035.96%

Minimum Annual ROE = -279.12%

Quarterly (TTM)
Annual
YearROEChange
2026273.74%137.65%
2025115.19%-60.13%
2024288.92%714.66%
202335.47%-75.44%
2022144.39%-151.73%
2021-279.12%2.42%
2020-11.07%-45.18%
2019-20.20%-90.29%
2018-208.05%384.57%
2017-42.94%-1035.96%

UPAY, Inc. (UPYY) Average ROE

How has UPYY ROE performed in the past?

The current ROE of UPAY, Inc. (UPYY) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

225.95%

5-year avg

171.54%

10-year avg

29.63%

UPAY, Inc. (UPYY) ROE vs. Peers

How is UPYY’s ROE compared to its peers?

UPAY, Inc.’s ROE is less than PowerBand Solutions Inc. (1.02%), less than Scrypt, Inc. (0%), greater than IMINT Image Intelligence AB (publ.) (-188.83%), less than Gamelancer Media Corp. (176.79%), greater than Steer Technologies Inc. (-1359.37%), less than CHIeru Co.,Ltd. (20.70%), less than Buddy Technologies Limited (0%), less than LifeSpeak Inc. (370.44%), greater than NEXT Biometrics Group ASA (-317.31%), less than Good Gamer Entertainment Inc. (18.93%),

Build a custom stock screener for UPAY, Inc. (UPYY) and other stocks

One of the best ways to find valuable stocks to invest in is to build a custom made screener in your Excel or Google Sheets spreadsheet. This allows you to compare thousands of companies like UPAY, Inc. using the financials and key metrics that matter to you in a single view.

The easiest way to set this up is to use the Wisesheets add-on and set your spreadsheet like this:

Custom stock screener in Wisesheets

Covering all these metrics from financial, data, dividend data, key metrics and more you can get all the data you want for over 50+ exchanges worldwide.

Get your free trial here.

UPAY, Inc. (UPYY) and other stocks custom spreadsheet templates

The easiest way to analyze a company like UPAY, Inc. or any others is to create a spreadsheet model that automatically retrieves all of the stock data you need.

Using Wisesheets you can set up a spreadsheet model like this with simple spreadsheet formulas. If you change the ticker you can get all of the data automatically updated for you.

Custom stock templates in Wisesheets

Whether you need live data, historical price data, financials, dividend data, key metrics, analyst estimates, or anything else...Wisesheets has you covered.

Frequently asked questions❓

What is the ROE?

How can you use the ROE?

What is UPAY, Inc.'s ROE?

How is the ROE calculated for UPAY, Inc. (UPYY)?

What is the highest ROE for UPAY, Inc. (UPYY)?

What is the 3-year average ROE for UPAY, Inc. (UPYY)?

What is the 5-year average ROE for UPAY, Inc. (UPYY)?

How does the current ROE for UPAY, Inc. (UPYY) compare to its historical average?